Licences and regulatory transparency
A clear explanation of who operates Finanz2Go, how regulated advice is provided, what clients control and how remuneration may work. This page explains regulatory information through scope, evidence, costs and decision boundaries.
A short fit conversation — not personal investment advice.
Operator
Finanz2Go is owned by Fabian Beining
Owner
Address
Public role
Legal notice
Responsibility
Regulated roles must be stated precisely
Control
Required information before advice begins
Responsibility map
Regulatory Information — Know which role carries which responsibility
Finanz2Go regulatory information should let readers verify roles rather than infer a licence from a brand.
This visual organises the page’s main inputs, boundaries and next questions. It is explanatory, not a personal recommendation.
Platform and research
Brand ownership, education, research and client experience.
Regulated activity
Advice or intermediation only through the applicable registered structure.
Client control
You retain account control and approve transactions.
The situation
Who operates Finanz2Go
Finanz2Go is owned by: Fabian Beining Warschauer Platz 11–13 10245 Berlin Germany Fabian Beining’s public role is Founder & Research Author. He should not be described as personally registered under §34f GewO.
What to understand
The regulated advisory structure
Current regulated investment advice and product intermediation are provided through an applicable registered advisory structure. Before regulated advice begins, the client receives the legally required information identifying the responsible intermediary, its status, relevant permissions and registrations, supervisory or registration authorities, complaint routes and remuneration basis. Do not infer from the Finanz2Go brand or Fabian’s founder role that Fabian personally holds an investment-intermediation permission.
What you receive
What the distinction means for clients
If the operating model changes to a registered advisory partner, this page and all initial information must be updated before the new model is described as current.
- Finanz2Go / Fabian Beining: Brand ownership, research, education and client experience within the disclosed operating model.
- Regulated advisory structure: The legally responsible provision of regulated advice and intermediation within its verified permissions.
- Client: Retains account control, considers the recommendation and approves transactions.
What to understand
You remain in control
Finanz2Go does not provide discretionary portfolio management. The client controls the account and approves transactions. Advice does not remove investment risk or guarantee a result.
What you receive
How services may be paid
Do not describe the service as fee-only or commission-free.
- The investment portfolio service costs 0.7% per year including VAT, calculated and charged monthly on capital invested through the service.
- Product, platform, fund, ETF and custody costs are additional and disclosed separately.
- Retirement or insurance solutions may involve commissions paid by the provider.
- The applicable remuneration, material conflicts of interest and contractual terms are disclosed before the client decides.
Decision framework
What is not provided
Finanz2Go does not provide tax or legal advice. Educational content and calculators are not personal recommendations. Regulated advice requires fact-finding, suitability assessment and the applicable client documentation.
What to understand
How to verify information or raise a concern
The live page should provide the verified register lookup link, responsible authority, dispute-resolution or complaint information, professional liability details where legally required, and a direct contact route. These particulars must match the current initial information and legal notice exactly.
Frequently asked questions
Clear answers before the next step
Is Fabian Beining personally registered under §34f GewO?
He is not presented as personally §34f registered. His public role is Founder & Research Author.
Who provides regulated investment advice?
It is provided through the applicable registered advisory structure. The responsible legal party and required regulatory particulars are disclosed before regulated advice begins and must be stated on the live page only after current verification.
Does Finanz2Go manage my portfolio without my approval?
No. There is no discretionary portfolio management. You control the account and approve transactions.
Is the service fee-only or commission-free?
No such claim is made. The investment portfolio service uses the stated portfolio fee, while retirement or insurance solutions may involve provider-paid commissions.
How can I verify the responsible intermediary?
Use the official register and authority links provided in the current initial information. The live page must reproduce or link to those verified particulars.
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# Cross-site organic lead-generation notes
## Internal linking
– Investment Services hub links to all three service pages, Fees, Process and Regulatory Transparency.
– Each investment page links back to the hub and laterally to the most relevant alternative service.
– Research articles link to one relevant service page, one related article and, where useful, one calculator.
– Calculators link to methodology, a relevant research guide and the corresponding service—not directly to a product recommendation.
– About and Contact link prominently to Regulatory Transparency.
– Fees links to Process and Regulatory Transparency.
## Conversion modules
Use one primary CTA per viewport or major section. Prefer specific labels such as Discuss your existing portfolio over generic labels such as Learn more. Do not present a booking call as regulated advice or promise that every prospect will be accepted.
## Structured data and trust hygiene
– Use Organization, Person, WebSite, BreadcrumbList, Article and FAQPage schema only where the visible page supports the same facts.
– Set Fabian’s jobTitle to Founder & Research Author.
– Do not add FinancialService licence properties, aggregate ratings, review counts or sameAs profiles without verification.
– Show author, reviewer where applicable, publish date and material update date on research content.
– Keep footer identity, legal notice, privacy notice, initial information and Regulatory Transparency page consistent.
## Editorial backlog for organic acquisition
1. Investing in Germany as an expat: a practical starting guide
2. How to review an investment portfolio for concentration and hidden overlap
3. Investment fees in Germany: product, platform, custody and advice costs
4. What happens to investments when you leave Germany?
5. ETF investing for expats in Germany: decisions and risks to understand
6. German private pensions versus flexible investment accounts
7. How to read a German pension statement
8. Risk tolerance versus capacity for loss
9. Currency risk for expats earning and investing in euros
10. Portfolio rebalancing: purpose, costs and tax questions
Every article should answer a distinct search intent, cite current primary sources where factual rules are discussed, include a visible general-information disclaimer and avoid personalised conclusions.
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Talk through your next financial decision
Start with an introductory call to clarify the question, likely fit and a responsible next step.
Book an introductory call ↗A fit conversation — not personal investment advice.